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What dose homeowners insurance typically cover?
Most policies cover your dwelling (the home itself), other structures (garage/shed), personal belongings, liability (if someone is injured and you’re responsible), and loss of use (temporary living costs if the home is unlivable after a covered loss).
How much dwelling coverage do I need?
Usually you want enough to rebuild your home, not what you paid for it. Rebuild cost depends on materials, labor, square footage, and local construction costs—especially in California.
Does homeowners insurance cover water damage?
It depends on the cause. Many policies cover sudden/accidental water damage (like a burst pipe), but typically exclude flooding, groundwater seepage, and long-term maintenance issues. Flood coverage is usually a separate policy.
What’s the difference between replacement cost and actual cash value?
Replacement cost pays to replace items with similar new items (better coverage).
Actual cash value factors in depreciation, so payouts are usually lower. Replacement cost is typically recommended for your belongings.
Why did my premium go up even without a claim?
Rates can rise due to higher rebuild costs, inflation, local claim trends, wildfire risk, changes in carrier underwriting rules, or policy changes (like higher deductibles or reduced discounts).
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